State credit union · Phoenix, Arizona · NCUA charter #62881
Arizona Central
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $722.4M
- Total assets
- 47,159
- Members
- 8.6%
- Net-worth ratio
Arizona Central scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $722.4M; members 47,159; net-worth ratio 8.62%; health rank #3,837 of 4,374; healthier than 12th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,837 of 4,374 health · 2025Q4Arizona Central · health 66/100 · $722.4M · 2025Q4
- PHOTO 66/100
- BOOK 8.6%
- CHARTER 0.69%
- NCUSIF -0.21%
- CAMELS $722.4M
- HEALTH 47,159
- NW #3,837/4,374
- DELQ SHAREFAX
- ROA 62881
Call Report peers
Arizona Central in the assets neighbourhood
Arizona Central's $722.4M assets sit next to SHAREFAX ($722.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Arizona Central vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
66 12th percentile higher than 12% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Arizona Central - Share Insurance Coverage
Charter #62881's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Arizona Central: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 93.58% vs peer 83.90% (+9.68 pp).
- Net Worth Ratio trails the peer set - 8.62% here, 11.18% peer average (-2.56 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Arizona Central in Arizona
- Health composite ranks #30 of 33 among scored Arizona credit unions.
- By total assets, Arizona Central is #11 of 33 in Arizona.
- Member book place in Arizona: #10 of 33.
In-state ordinals use the live credit_unions table for AZ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Arizona Central's 5300 filing moved
Arizona Central: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $722.4M (2025Q4) to $733.7M (2026Q1).
- Net-worth ratio shifted -0.05 pp (8.67% → 8.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.62% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 66/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 66.
- Net Worth Ratio 26.6 pts
- Delinquency Rate 23.1 pts
- Return on Assets 2.6 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.7 pts
Call Report ratios for Arizona Central
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.62% | -2.56 pp |
| Delinquency Rate | 0.69% | -0.18 pp |
| Return on Assets | -0.21% | -0.72 pp |
| Member Growth | -6.77% | - |
| Loan-to-Share Ratio | 93.58% | +9.68 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Arizona Central
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $733.7M | - |
| 2025Q4 | $722.4M | 47,159 |
| 2024Q4 | $688.9M | 50,582 |
| 2023Q4 | $743.2M | 99,685 |
Credit Union Details
- Charter Number
- 62881
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Arizona
- City
- Phoenix
- Data Quarter
- 2025Q4
Branch Locations (11)
Arizona Central operates 11 offices across 8 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 2020 Corporate Offices (Main Office) | Phoenix, AZ |
| CHANDLER #5 | CHANDLER, AZ |
| FLAGSTAFF #4 | FLAGSTAFF, AZ |
| WOODLANDS #10 | FLAGSTAFF, AZ |
| BELL #6 | GLENDALE, AZ |
| GLENDALE #9 | GLENDALE, AZ |
| 2020 BRANCH #1 | PHOENIX, AZ |
| Iron Mountain | Phoenix, AZ |
| SHOWLOW #16 | SHOW LOW, AZ |
| Tempe #3 | Tempe, AZ |
| INA #7 | TUCSON, AZ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arizona
Other federally-insured credit unions in Arizona, closest first by peer group and asset size.
Other-state peers near Arizona Central
Two NCUA Call Report peer sets for Arizona Central, both outside Arizona so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($722.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (66/100 here).
Using this data
- Arizona Central ranks #3,837 of 4,374 nationally on financial health and #30 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FIRST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FIRST
- Rates and health both vary by institution, not just by state -- see how Arizona credit unions compare overall before assuming this one is typical. Arizona state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Arizona Central financially healthy?
Arizona Central scores 66/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,837 of 4,374; by total assets it ranks #600 of 4,374 nationally (same basis as /rankings/largest); and #11 of 33 within Arizona. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.62% net worth ratio and a 0.69% delinquency rate.
How does Arizona Central compare to other credit unions?
Arizona Central scores 66/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Arizona Central?
Membership eligibility for Arizona Central depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Arizona Central directly for current membership requirements and application steps.
Is my money safe at Arizona Central?
Federal credit unions like Arizona Central are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Arizona Central's net worth ratio of 8.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Arizona Central offer compared to banks?
Credit unions like Arizona Central are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Arizona Central directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.